gut bigger than hips.

[Llama]

Just do whatever is comfortable and looks decent. If you're not used to wearing things above your belly, it will never be comfortable for you.

A lot of the "rules" don't work for many people because people are shaped different ways. If you have longer legs and a shorter torso, a high kilt will look ridiculous on you. Same for the reverse. It's all about proportions and figuring out what works best for you.

I wear mine above the navel, but that's only slightly higher than I wear my pants.